European Union: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

FIG Top 5 At 5 – 27/08/2026

Ireland's Department of Finance unveils its Vision 2030 strategy to strengthen the country's position as a leading international financial services hub through 31 targeted actions addressing legislation, regulation, digital transformation, and talent development.

Ireland Finance

M

Matheson

Let Op Bij Een Lening Aan Personeel: Dit Kan Consumentenkrediet Zijn

Wanneer een werkgever geld leent aan een werknemer, lijkt dit een interne aangelegenheid. Maar wanneer kwalificeert zo'n lening als consumentenkrediet, en welke verplichtingen gelden er dan voor de werkgever? Het Hof Den Haag heeft recent uitspraak gedaan over een werkgever die de restschuld van een personeelslening probeerde te innen, met verrassende gevolgen.

Netherlands Consumer

B

Buren

EuGH-Urteil Zur Zinsbasis Bei Verbraucherkrediten – Was EU-Kreditgeber Jetzt Beachten Sollten

Der Europäische Gerichtshof hat entschieden, dass Sollzinssätze bei Verbraucherkrediten nur auf den tatsächlich bereitgestellten Kreditbetrag angewendet werden dürfen – nicht auf mitfinanzierte Kreditkosten wie Versicherungsprämien oder Gebühren. Diese Klarstellung hat weitreichende Folgen für Kreditgeber in der gesamten EU, die ihre Produktgestaltung, Preislogik und Kundenunterlagen entsprechend anpassen müssen. Besonders betroffen sind Banken und Anbieter von

Germany Finance

PL

PwC Legal Germany

New Consumer Law And Consumer Credit Provisions In 2026 - Key Amendments And Practical Implications

Austria has enacted significant reforms to consumer protection law, introducing stricter requirements for retail lending and distance contracts.

Austria Consumer

K

Kinstellar

The 2026 SCHUFA Score Reforms And Implications For Financial Services Firms

Germany Finance

PL

PwC Legal Germany

Buy Now, Pay Later – Consumer Credit Obligations And Regulatory Considerations

GA

Ganado Advocates

Buy Now, Pay Later: Impact Of The New EU Consumer Credit Directive On Supplier Financing Models In Germany

Germany Consumer

AO

A&O Shearman

Regulatory Compliance Quarterly Update | Q4 2025

Malta Compliance

MT

Mamo TCV Advocates

Implementation Decree CCD II And Consultation On The Commission Rules For Consumer Credit

Netherlands Consumer

LL

Loyens & Loeff

Financial Services Regulation 2025

Ireland Finance

MF

McCann Fitzgerald

Guidance On Cross-Selling In Insurance

Belgium Insurance

SB

Simont Braun

Implementation Act Consumer Credit Directive II

Netherlands Finance

LL

Loyens & Loeff

The CP Legislative Updates Series – November 2025

Malta Government

CP

Camilleri Preziosi Advocates

Horizon Scanner Finance December 2025 - Irish Developments

Ireland Consumer

AC

Arthur Cox

Life Sciences Outlook 2026 - Mergers And Acquisitions (Video)

Ireland Strategy

AC

Arthur Cox

Jan Holthuis te gast in de podcast India Unbound van LawWiser (Video)

Netherlands International

B

Buren

German Utility Models: IP Protection Within Weeks (2026) (Video)

BP

Bardehle Pagenberg

Video: Work & Residence Permissions In Ireland – Episode 6

Ireland Employment

WF

William Fry

From Copilot To Colleague: How Agentic AI Is Reshaping Work, Governance And Risk (Podcast)

Ireland Technology

WF

William Fry

Department Of Finance Sets Direction On Ireland's Distance Marketing Rules

The Directive focuses on consumer financial services contracts concluded at a distance. It repeals Directive 2002/65/EC concerning the distance marketing of consumer financial services and amends the 2011 Consumer Rights Directive...

Ireland Finance

WF

William Fry

Malta's Transposition Of The Consumer Credit Directive II: MFSA Revises Rulebook For Banks

The national legal framework applicable to banks and financial institutions offering consumer lending products, including personal loans, overdrafts and credit cards, is being revised as detailed by the MFSA...

GA

Ganado Advocates

Proposed Bill Implementing Directive (EU) 2023/2225 On Credit Agreements For Consumers Adopted

The consumer credit market has changed in the wake of digitalisation. Technological advances have significantly altered both supply and demand through the introduction of new products and the evolution of consumer behaviour.

Germany Finance

PL

PwC Legal Germany

New Draft Bill Implementing EU Consumer Credit Rules Published For Consultation

The draft bill includes several amendments to both the Credit Agreements Act, the Marketing Practices Act, the Act on Consumer Loan Businesses...

Denmark Consumer

P

Plesner

Landmark Ruling: UK Supreme Court Clarifies Consumer Rights In Motor Finance Agreements

European Union Finance

AC

Arthur Cox

Warsaw Financial Regulatory Podcast: Episode 2

AO

A&O Shearman

MFSA Issues Finalised Conduct Of Business Rulebook For Banks

GA

Ganado Advocates

CJEU Rules On Transparency Requirements In Consumer Credit Agreements

GA

Ganado Advocates

CJEU Judgment: Financial Institutions Must Comply With Disclosure Obligations

GZ

George Z. Georgiou & Associates LLC

Luxembourg Tax Administration Publishes New Circular On Interest Rates On Shareholders' Current Accounts

Luxembourg Commercial

LL

Loyens & Loeff

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

GA

Ganado Advocates

An Overview Of The New Consumer Credit Directive

European Union Consumer

MW

McDermott Will & Emery

EU Credit Servicing Directive – Amendment To Consumer Protection Code

European Union Consumer

M

Matheson

Litigation Funding Comparative Guide

Hungary Finance

Q

Queritius

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

On 17 October 2024, the Court of Justice of the European Union delivered a ruling in the case of Riverty GmbH (legal successor of Arvato Finance BV) v MI (Case C-409/23), on the qualification of the so-called ‘buy-now-pay-later' schemes...

GA

Ganado Advocates

An Overview Of The New Consumer Credit Directive

One year after the new EU Consumer Credit Directive (Directive 2023/2225) came into force, questions remain: When will it be implemented? What will be regulated? How is the business community reacting...

European Union Consumer

MW

McDermott Will & Emery

EU Credit Servicing Directive – Amendment To Consumer Protection Code

The Directive on Credit Servicers and Credit Purchasers (Directive (EU) 2021/2167Opens in new window, the "Credit Servicing Directive") applies to the sales and servicing of non-performing loans ("NPLs") issued by a credit institution established in the EU.

European Union Consumer

M

Matheson

Litigation Funding Comparative Guide

Litigation Funding Comparative Guide for the jurisdiction of Hungary, check out our comparative guides section to compare across multiple countries

Hungary Finance

Q

Queritius

Litigation Funding Comparative Guide

Portugal Finance

UM

Uria Menendez

New Memorandum Proposes More Stringent Requirements In Relation To Provision Of Consumer Credit

On 7 May 2024, the government presented a memorandum concerning repeal of the Certain Consumer Credit-Related Operations Act ("LVK").

Sweden Consumer

L

Lindahl

Financial Conduct Authority To Gather More Information From UK Consumer Credit Firms

The Financial Conduct Authority (FCA) has released a policy statement on new rules on product sales data (PSD) reporting for consumer credit lending firms that addresses recent feedback on its initial proposal.

Belgium Consumer

OC

Osborne Clarke

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...

FM

Finance Malta

The MFSA Consults On A Draft Conduct Of Business Rulebook For Banks

On the 19 February 2024, the MFSA issued a consultation on a proposed "Conduct of Business Rulebook for Credit Institutions" (the "Conduct Rulebook")...

FM

Finance Malta

Aggiornamento Giurisprudenziale - N. 10 / 2023

FIVELEX Studio Legale e Tributario

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

European Union Consumer

GA

Ganado Advocates

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

European Union Consumer

FM

Finance Malta

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

GA

Ganado Advocates

Consumer Credit Directive 2.0 – More Consumer Protection, Higher Regulatory Burden? A View From Germany

Germany Consumer

PL

PwC Legal Germany

Roadmap24: Passion

European Union Commercial

SA

Schoenherr Attorneys at Law

FinReg Monitoring - October 2023

Belgium Finance

L

Liedekerke

The Consumer Credit Directive Revamped

GA

Ganado Advocates

Enhanced Consumer Protection In Loans And Distance Financial Services Contracts

Luxembourg Finance

EH

ELVINGER HOSS PRUSSEN, société anonyme

The Administrative Court Annuls The Swedish Financial Supervisory Authority's Decision

L

Lindahl

The Swedish Financial Supervisory Authority Welcomes Most Of The Proposals In The Report On Overindebtedness

L

Lindahl

Regulating Buy Now, Pay Later: Code Of Conduct And Revision Of Consumer Credits Directive

European Union Consumer

LL

Loyens & Loeff

Litigation Funding Comparative Guide

Germany Finance

N

Nivalion

The Government Is Proposing New Regulations For Non-Performing Credit Agreements

L

Lindahl

FIG Top 5 At 5 - 02/11/2023

Ireland Finance

M

Matheson

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